Detail Katalog

ABSTRACT
Indonesia is a country which implementing a national development , includes economic sectors. In the economic sector there are UMKM namely Usaha Mikro Kecil Menengah. In their work, many contributions to UMKM through the Gross Domestic Product (GDP) and employment. But Indonesia’s UMKM having a weakness in the field of capital. This is where the role of the banks for lending. In the credit needs to go through some process that ends with monitoring credit loan until the loan is paid off. To carry out of more effective monitoring is used the Early Warning System is a system that can detect early symptoms of the debtor's business setbacks. From the observations on UMKM Bank Branch in Pacitan East Java, with EWS monitoring activities conducted generally 3 months or determined by Riks Rating Debtor. The implementation of EWS, Accounts Officer can monitor the debtor's business through a comparison of the data with the initial surveying after loan disbursements and saw turnover of the debtor. EWS implementation will end if the debtor has been declared paid credit. The benefits of the implementation of the EWS for the bank was able to reduce non-performing loans. While the benefits to the debtor is to obtain guidance for their efforts. In the implementation of the EWS also found the debtor difficult obstacles that encountered and Accounts Officer are less competent in the implementation of the EWS. Then the solution is applied on UMKM Bank Branch in Pacitan East Java is to establish communication between ourselves with the debtor and to provide training to the Accounts Officer.
Keywords: monitoring, Early Warning System